Interest-Free or Low Interest Loans

Rules of Application

• Where interest free or low interest loans are made available to employees or shareholders.

Computation of Benefit

• Outstanding loan x prescribed interest rate = taxable benefit.

• Reduce by any amount paid by the employee.

• No GST/HST or QST applicable.

• Prescribed interest rates:

2009
Jan 1 – Mar 31 2%
Apr 1 – Jun 30 1%
Jul 1 – Sep 30 1%
Oct 1 – Dec 31 1%